Saxony’s self-use line (FRL Familienwohnen vom 23.09.2025, gültig ab 2025-10-10), and the only German state programme found so far that names gemeinschaftliche Bau- und Wohnprojekte as a recipient category in the Richtlinie text itself.
- Amount: up to €80,000 per household, +€10,000 where a household member has a Mobilitätseinschränkung (combined cap €90,000). Term up to 25 years.
- Interest: 0.10 %–3.15 % p.a. fixed for the full 25 years (Förderzinssatz band; the low end is reached via a Zinsabschlag for low-income households). SAB advertised a further 0.5 % cut in 2026 — check the live rate, it is volatile.
- Baugruppe key: interim land-acquisition financing up to €500,000 for max 2.5 years, tilgungsfrei und endfällig, for groups in formation. This is the rare public bridge over the land-purchase gap that kills most Baugemeinschaften.
- HARD GATE: at least one child under 18 in the household at Antragstellung (or an over-18 child with a disability drawing Kindergeld). Childless collectives are excluded.
- Two applicant paths (Ziffer III): Nr. 1 — a natural person building or buying self-used Wohneigentum with such a child. Nr. 2 — a Gesellschaft founded for a predominantly self-use gemeinschaftliches Bau- und Wohnprojekt may receive the Zuwendung, in the form of Genossenschaft, eingetragener Verein, eingetragene GbR, hilfsweise GmbH, and must be ≥ 90 % owned by the resident Selbstnutzer (down to 60 % where a supporting entity participates).
- Path: Sächsische Aufbaubank (SAB). Combines with kfw-124 and kfw-300; top up the remainder with sachsen-sab-foerderergaenzungsdarlehen.
Residual tension (verified again 2026-09-10): the operational SAB page still frames the applicant as the individual household and tells communal projects to contact SAB advisory first, while the legal text is broad. Engage SAB advisory before applying as an entity.
2026-01-01 update: Einkommensgrenzen were raised, widening the Zinsabschlag. The numeric thresholds are not visible on the live page — open question (not a fact).
Applies throughout Saxony, including Leipzig, Dresden and Chemnitz.
Related
- sachsen-sab-foerderergaenzungsdarlehen — closes the rest of the stack at the same bank
- sachsen-frl-gebundener-mietwohnraum — the rental counterpart, for groups that stay tenants
- gbr-baugemeinschaft / eg-cooperative / ev-association — the four permitted entity forms
- gmbh-ggmbh-project — the “hilfsweise GmbH” fallback form
- kfw-134 — federal share-purchase loan when the group chose the eG route
- kfw-124 / kfw-300 — federal ownership lines stacked on top
- syndikat-haus-gmbh — the childless-collective alternative when the child-under-18 gate fails
- grunderwerbsteuer-baugemeinschaft — the tax trap on the land purchase this loan bridges